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Ex-Bankrupt confused about the way forward!

jmadgin
jmadgin Posts: 6 Forumite
in Bankruptcy & living with it
Hi All,

I'm writing on behalf of my girlfriend who was declared bankrupt 3rd May 2007. Since then she has been discharged from her bankrupcy and between the both of us we keep a very healthy pair of individual current and savings accounts.

We went into the bank a few days ago asking for a debit card account for her as she was getting sick of withdrawing money from the cash point (cash point money always gets spent!!!) but to no avail. We were told that the bank could not accept her but could not give a reason. The best they could do was to tell us to check her Experian credit record for outstanding issues. We did this but everything looks hunky dory.

Since then we have tried several banks and non will give her a debit card facility with or without an overdraft. How do we go about getting this facility? If she can not have any sort of responsobility for her money how can she build a new credit rating? Whats the quickest way of getting her back on track?

Please help we're tearing our hair out!

John
«1

Comments

  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    have you had a read here?

    http://forums.moneysavingexpert.com/showthread.html?t=677875

    To be honest she'll struggle to find a bank that will offer such a service while the bankruptcy stays on her credit files for 6yrs even though she's been discharged since 2007......even more difficult with the financial state of the country with the credit crunch at the min........and if its any help I applied for a similar accounts & been declined & i've been discharged nearly 2yrs...the only thing that helps is time i'm afraid....

    a word of caution though too many applications to banks will look bad on her credit files as well....i'd leave it a while & try again
    We all die. The goal isn't to live forever, the goal is to create something that will
  • deedee_3
    deedee_3 Posts: 891 Forumite
    Also try the Co-op, they offer their cashminder account to bankrupts so you should be able to get one.

    http://www.co-operativebank.co.uk/servlet/Satellite/1193206375355,CFSweb/Page/Bank
    Namaste DeeDee x
  • ClaireLR
    ClaireLR Posts: 1,712 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Have you tried applying for a co-op cashminder account? It comes with a debit card and a lot of people on the boards have one including myself.
    Sometimes you have to go through
    the rain to get to the
    rainbow
  • ClaireLR
    ClaireLR Posts: 1,712 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Damn you deedee beating me!! :p
    Sometimes you have to go through
    the rain to get to the
    rainbow
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    how could I forget cashminder.....

    homer_d-oh.jpg
    We all die. The goal isn't to live forever, the goal is to create something that will
  • ClaireLR
    ClaireLR Posts: 1,712 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Ooooh Phil you must be losing it!! I did think as I was typing, "am I reading this right, surely Phil would have mentioned cashminder???" LOL!
    Sometimes you have to go through
    the rain to get to the
    rainbow
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    ClaireLR wrote: »
    Ooooh Phil you must be losing it!! I did think as I was typing, "am I reading this right, surely Phil would have mentioned cashminder???" LOL!


    Dont ask claire......its been one of those days :rolleyes:
    .......although some may say I lost it a while ago! ;):D
    We all die. The goal isn't to live forever, the goal is to create something that will
  • ClaireLR
    ClaireLR Posts: 1,712 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    philnicandamy wrote: »
    Dont ask claire......its been one of those days :rolleyes:
    .......although some may say I lost it a while ago! ;):D

    At least your in good company here ;);)
    Sometimes you have to go through
    the rain to get to the
    rainbow
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    ClaireLR wrote: »
    At least your in good company here ;);)

    Yep.....:p :D
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Dez-Titute
    Dez-Titute Posts: 1,106 Forumite
    Part of the Furniture Combo Breaker
    philnicandamy wrote: »
    how could I forget cashminder.....

    homer_d-oh.jpg
    D'OH ME TOO


    th_avatar.jpg
    The triumph of hope over experience

    mea culpa mea culpa mea maxima culpa
This discussion has been closed.
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